The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$35,953
−HK$2,255/mo
▼ 0.25% · 3.875%
HK$37,071
−HK$1,137/mo
Today · 4.125%
HK$38,208
baseline
▲ 0.50% · 4.625%
HK$40,533
+HK$2,325/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$76,416/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,997
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,070
−HK$1,088/mo
Today · 4.125%
HK$42,158
baseline
▲ 0.50% · 4.625%
HK$44,381
+HK$2,223/mo
Deposit HK$7.88M · loan HK$7.88M · min. income ≈ HK$84,316/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,144
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$44,486
−HK$1,363/mo
Today · 4.125%
HK$45,849
baseline
▲ 0.50% · 4.625%
HK$48,639
+HK$2,790/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$91,698/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,997
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,284
−HK$1,306/mo
Today · 4.125%
HK$50,590
baseline
▲ 0.50% · 4.625%
HK$53,257
+HK$2,667/mo
Deposit HK$6.31M · loan HK$9.46M · min. income ≈ HK$101,180/mo (50% DSR)
Upfront cash ≈ HK$6.90M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,334
−HK$3,157/mo
▼ 0.25% · 3.875%
HK$51,900
−HK$1,591/mo
Today · 4.125%
HK$53,491
baseline
▲ 0.50% · 4.625%
HK$56,746
+HK$3,255/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$106,982/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,996
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$57,498
−HK$1,524/mo
Today · 4.125%
HK$59,022
baseline
▲ 0.50% · 4.625%
HK$62,133
+HK$3,111/mo
Deposit HK$4.73M · loan HK$11.04M · min. income ≈ HK$118,044/mo (50% DSR)
Upfront cash ≈ HK$5.32M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,716
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$66,729
−HK$2,045/mo
Today · 4.125%
HK$68,774
baseline
▲ 0.50% · 4.625%
HK$72,959
+HK$4,185/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$137,548/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,995
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$73,926
−HK$1,959/mo
Today · 4.125%
HK$75,885
baseline
▲ 0.50% · 4.625%
HK$79,885
+HK$4,000/mo
Deposit HK$1.58M · loan HK$14.19M · min. income ≈ HK$151,770/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$591,268 · Scale 2, in force from 26 Feb 2026)